The flexibility of our mortgage products gives you the freedom to create a loan that is custom designed with payment options you can comfortably afford. Whether you’re thinking about purchasing a new home, you are a first time home buyer or you are refinancing your current home, we’ve got the mortgage you need with low rates and flexible terms.*

Our online Loan Consultant will allow you to enter your mortgage purchase price and calculate your monthly payment, and it will let you view and make adjustments to various repayment options such as fixed versus adjustable interest rates, the term of your loan or even the amount of your down payment. This free and easy-to-use service will make the complicated process of home buying a breeze! Click here to use the Loan Consultant and to view our rates. Once you've selected a mortgage program that meets your needs through the Loan Consultant, you'll have the option to apply for the loan.

Home Affordable Refinance Program (HARP)
The Home Affordable Refinance Program (HARP) allows homeowners to refinance into low mortgage interest rates even if the property has decreased in value. SFEFCU is a participant in this program.